When you can't surcharge

The bill lands on you now.

$500,000 in annual card revenue
Annual fees you absorb once surcharging is banned
$0 $3,500 $12,500 $20k
info A cost that used to sit with the customer, now paid straight out of margin.
What a surcharge recovered
$5.50
flat white
add
2%
surcharge
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11¢
recovered
multiple_stop 11¢ looks like nothing — until you multiply it across hundreds of transactions a day.